本文在大量阅读国内外文献的基础上，采用了数据包络分析法（DEA）的
BCC 模型，对宁波分行的 62 家网点的 2015 年数据进行了基础投入效率和服务经
营效率两阶段的效率分析，并提出了相应的效率改进措施，为今后网点的发展
提供有效的分析支撑
在分析的过程中结合网点实际发展的情况，选择网点营业面积、人员数作
为第一阶段基础投入效率分析的投入指标，柜面台席数和自助设备数作为第一
阶段的产出指标；以第一阶段的产出指标柜面台席数、自助设备数以及运营成
本作为第二阶段服务经营效率分析的投入指标，营业收入、存款余额、柜面交
易量笔数和自助设备交易量笔数作为第二阶段的产出指标，运用 DEA_Solver5.0
软件对 62 家网点进行定量研究，计算各个网点的两阶段效率值
在充分分析内外部经济环境、银行业转型升级以及邮储银行宁波分行网点
发展不足的情况下，通过对网点的基础投入效率以及服务经营效率分析后，发
现有较多网点存在着营业面积过大、利用效率不高的情况；有网点存在着投入
资源过多，但是营业收入、余额、交易量笔数等产出效率不高的情况。并针对
这些问题的存在，提出了在效率上的改进措施：
第一，对资源投入进行有效控制，以节流的方式来降低投入；第二，
对业务种类进行有效整改，以更加专业的服务来吸引各类客户；第三，对
服务流程进行整改，以优质、便捷的服务来吸引客户；第四，对低效网点
进行撤并或迁址，寻求更好的点来服务客户，吸引客户。II
银行业需要快速的发展才能应对目前来自各方面的挑战，银行网点的传统
服务受到的挑战则更大，对于转型、改进的要求更高。本文通过尝试定性、定
量的分析方法来解决一个分行所辖网点的各项效率情况，并通过改进分析研究
为今后银行网点的效率改进提供一些借鉴
关键词：银行网点，效率，DEA，改进III
Postal savings bank of China Ningbo branch outlets efficiency study
Abstract
During the 12
th
Five-Year Plan period, the booming of China Banking Industry was a result of
good internal and external economic development and national policy support from central
government. However, in the next 13
th
Five-Year Plan period, Banking Industry will face dramatic
changes in economic and policy environment internally as well as externally. Postal Savings Bank
of China, as the fifth largest bank nationallye in total assets, has positioned itself as large retail
commercial bank. Ningbo branch, one of the 36 first level branches, will face more challenges but
also opportunities in its expansion of outlet retail business. Because of interest rate marketization,
financial disintermediation and internet finance, traditional retail business of Ningbo branch and
outlets’ counter services capability have been declining overtime. Therefore the efficiency analysis
to services and business abilities of all Ningbo branch’s outlets will provide evidence that can
support sustainable growth.
This paper reviewed considerable amount of domestic and international literatures, then
adopted BCC model from Data Envelopment Analysis to analyze the area and personal efficiency
and operational efficiency to all 62 outlets of Ningbo branch based on year 2015 data. In addition
to the quantitative analysis, this paper also provided recommendations that can improve outlet
efficiency to support future growth.
In the consideration of outlets reality, outlets total business areas and total number of staff are
used as input variables at first stage, number of outlet counters and self-service machines are the
output variables at first stage; the second stage uses number of outlet counters and self-service
machines from first stage and operational cost as its inputs, whilst outputs are revenues, total
saving balance, outlet counter turnovers and self-service terminal turnovers. The quantitative
method uses DEA_Solver 5.0 to compute two stages efficiency rates for all 62 outlets.
The conclusion of this study is based on the quantitative results from above method together with
the economic environment, banking industry transformation and upgrade, as well as the outlet
expansion deficiency of Ningbo branch. There are certain number of outlets having the situation of
larger business area but less efficient in usage; some other outlets have invested significant amount
of resources but resulted inefficient outputs in terms of revenues, savings, turnovers, etc. Regarding
the above two existing problems, this paper proposed following strategic implementations that can
improve operation efficiency.
1. Effectively control resources input, then to reduce amount of investment; 2. Effectively
rectify business categories, to attract more customers with more professional and diversifiedIV
services; 3. Rectify service processes, to attract more customers with more convenient but higher
quality services; 4. Merge or relocate less efficient outlets, to serve customers with more
convenient locations.
Banking industry will need to develop in a fast pace to prepare for the challenges, especially
the traditional outlet business, it require higher level of transformation and improvement. This
paper used a combination of qualitative and quantitative methods to analyze efficiency rates across
a range of measures for all outlets from Ningbo branch, the methodology and conclusions would
be a good reference for outlets efficiency improvement in future.
Key Words：Outlet of Bank，Efficiency，Data Envelopment Analysis，ImprovementV
目 录
1 绪论........ 1
1.1 研究的背景 ........ 1
1.1.1 内外部经济环境对传统银行业的影响 1
1.1.2 银行业转型发展要求 ..... 3
1.1.3 邮储银行宁波分行转型发展的要求.... 3
1.2 研究的意义 ........ 4
1.3 研究的主要内容及框架 6
1.3.1 主要内容.. 6
1.3.2 方法 .......... 6
1.3.3 论文框架.. 7
2 网点效率分析的相关理论基础与文献综述. 8
2.1 国内银行效率分析研究现状 ... 8
2.2 邮储银行相关分析研究现状 . 10
3 邮储银行宁波分行网点效率分析研究 ....... 12
3.1 网点发展的现状及不足.......... 12
3.1.1 邮储银行宁波分行的历史及现状 ...... 12
3.1.2 网点发展存在的主要问题....... 12
3.2 DEA 方法及模型.......... 13
3.3 网点效率分析指标选取及数据 ...
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